It’s really frustrating that I was unable to pay my bill of ₹58,000 using my FD of ₹59,300 due to technical issues on your end. As a result of this, I’ve been charged an additional ₹1,500 in interest, which is completely unfair. This was caused by your faulty system, not by any fault of mine.
On top of that, the support team has been unhelpful and unable to resolve the issue. I’m seriously considering legal action if this isn’t resolved soon. It’s ridiculous to be penalized for something that’s entirely out of my control.
Has anyone else faced similar issues? Would appreciate some advice on how to deal with this.
I’m reaching out via DM to gather additional information so that we can promptly address this matter with the appropriate team. Your cooperation is greatly appreciated as we work diligently to resolve this issue as quickly as possible.
We completely understand your disappointment about being unable to pay your bill. We take this matter seriously and are committed to resolving it as soon as possible.
Unfortunately, the video you shared is not supported. Please send an email to global.escalation@goniyo.com with the screen recording of the issue you experienced. If you have already submitted an email regarding this, kindly provide the ticket ID or your registered email and mobile number so we can assist you more effectively.
Thank you for your patience, and we look forward to resolving this for you.
Thank you for taking the time to speak with us today. We completely understand how frustrating and disappointing this situation is regarding unable to pay your Niyo SBM credit card bill. Rest assured, we’ve already escalated the issue with the bank on your behalf.
We’ll keep you posted with any new updates as soon as we hear back from the team.
Your funds are safe, and we appreciate your patience while we work to resolve this. Thanks again for your understanding!
Thank you for your time on the call. As discussed we request that you can close your FD by the below-mentioned steps through the Niyo Application.
Log in to the Niyo Global app and select Credit Card.
Tap on FIXED DEPOSIT.
Choose PAY BILL WITH FD or WITHDRAW FD to proceed.
Click CONTINUE.
Select the FD you’d like to withdraw and tap REVIEW DETAILS.
After reviewing, hit PAY.
You’ll see a confirmation that the FD withdrawal is in progress, and you can track the status right from the app.
Your refund will be processed to your SBM savings account within 5-10 working days (excluding weekends).
We truly appreciate your understanding and patience during this process. If you have any further questions, feel free to reach out — we’re always here to help!
Upon reviewing your account, we see that you have already raised a ticket (ID: #2539234). Our team has provided an update on this matter, which has been sent to you via email. We kindly request you to check your inbox for the detailed information regarding your concern.
If you have any further queries or require additional assistance, please do not hesitate to connect with us. We will be happy to help you.
Despite several attempts, I am still unable to complete the payment, and it’s disappointing to encounter the same error message repeatedly.
As a developer myself, I understand that bugs happen, but it’s concerning to see how long this issue has persisted. There seems to be a condition or limit triggering the error, which should be straightforward for your technical team to identify and resolve.
Due to this ongoing issue, I will not be held accountable for any interest charges on my bill. If additional interest is applied, I will consider this grounds for further action, including legal recourse, as this is now impacting my CIBIL score.
Please prioritize this matter and update me on a swift resolution.
Thank you for your time on the call! As discussed, please settle at least 10% of your outstanding balance through the bill payment option. Once that’s done, you’ll be able to withdraw your Fixed Deposit (FD), which will automatically settle the remaining 90% of your outstanding amount.
If you need any assistance with the process, feel free to reach out. We’re here to help every step of the way!
Thank you for the confirmation. Should you face any issues in the future do reach us via the live chat feature in the app or write to us at “global.escalation@goniyo.com”. We’ll be happy to assist you further.
Rest assured, we’ve already escalated the issue with the bank on your behalf. 
Thanks again for your understanding!
Your refund will be processed to your SBM savings account within 5-10 working days (excluding weekends).
